Business Interruption

... consider Back to Business Insurance Business Interruption Cover* Most small business owners like to ... 'indemnity period', aka the period of time you wish to insure your business for loss of turnover. Small business ...

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How much does Business Insurance cost?

... *Data based on NSW BizCover customers How much do food businesses pay for Business Insurance? The average cost of a Business Insurance package for businesses operating in the food industry is $132.75 per month ...

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What is Business Insurance?

... ) or you have stock items, then you need to protect these with the right Business Insurance cover: Businesses that own stock &/or fixtures and fittings and contents Consultants that use portable valuables like ...

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Business Insurance in Melton

... pay  $ 79.55 ** a month for  their business insurance package . Business  insurance is one of the most popular types of insurance for small businesses in Melton . In fact, it is arguably important ...

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Business Insurance in Parramatta

... pay $71.30 * * a month for  their business insurance package . Business  insurance is one of the most popular types of insurance for small businesses in Newcastle . In fact, it is arguably important ...

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Business Insurance in Toowoomba

... $60.97 ** per month for  t heir business insurance packages . Business  insurance is one of the most popular types of insurance for small businesses in Toowoomba . In fact, it is arguably important ...

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Business Insurance in Townsville

... Townsville pay $91.55 * * per month for their business insurance package. Business insurance is one of the most popular types of insurance for small businesses in Wollongong. In fact, it is arguably important for ...

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Business Insurance in Wollongong

... pay  $ 70.12 ** per month for  their business insurance package . Business  insurance is one of the most popular types of insurance for sm all businesses in Wollongong . In fact, it is  arguably ...

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Business Insurance in Launceston

... in Launceston pay  $ 52.8 **for  their business insurance packs . Business  insurance is one of the most popular types of insurance for businesses in Launceston . In fact, it is arguably important ...

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Business Insurance in Mackay

... around  $ 68.55 ** per month for  their bu siness insurance package . Business  insurance is one of the most popular types of insurance for businesses in Mackay . In fact, it is arguably important for ...

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Business Insurance on the Gold Coast

... on the Gold Coast pay  $ 75 a month ** for  their business insurance , which is one of the most common types of insurance for small businesses on the Gold Coast . In fact, it is arguably important for ...

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Business Insurance in Geelong

... tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to ...

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Business Insurance on the Central Coast

... tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to ...

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Business Insurance in Cairns

... pay around $73.93 * * a month for a Business insurance package . Business insurance is one of the most popular types of insurance for small businesses in Cairns. In fact, it is arguably important for ...

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Business Insurance in Bundaberg

... pay around $60.51 * * a month for a Business insurance policy . Business insurance is one of the most popular types of insurance for small businesses in Bundaberg. In fact, it is arguably important for ...

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Business Insurance in Bunbury

... in Bunbury pay around $54 * * a month for a Business insurance policy. Business insurance is one of the most popular types of insurance for small businesses in Bunbury. In fact, it is arguably important for almost ...

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Business Insurance in Newcastle

... around  $ 71.06 ** per month for  their business insurance  p ackage . Business insurance is one of the most popular types of insurance for small businesses in Newcastle . In fact, it is arguably ...

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Business Insurance

... ’s included & what’s not? Get the right cover The business of Business Insurance* Whether you have just served your first customer or you have been in your business for many years, you have put a lot of time and ...

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Common Small Business Insurance Claims and How to Prevent them.

If you are a small business owner you know that things ... your business and your bottom line. Whilst you've got the insurance ... ... limited resources it's hard to plan for everything. Here are some of the most common BizCover Business Insurance customer claims, and tips on how to prevent them. Theft Theft is unfortunately common for small ...

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Business Insurance FAQs

... ! Check out our library of FAQ's designed to make insurance easy to understand. Get Free Quotes Ready to sort out your Business Insurance? Your small business is a big deal to us. Get the right cover ...

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Portable Equipment

... ’s covered & what’s not Things to consider Back to Business Insurance Portable Equipment* Portal Equipment insurance (also known as General Property insurance) covers you for loss and damage to items of portable ...

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Machinery Breakdown

What’s covered & what’s not Things to consider Back to Business Insurance Machinery Breakdown* This insurance covers the cost to repair or replace specified machinery following a breakdown. Did you know? ' ...

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Theft

What’s covered & what’s not Things to consider Back to Business Insurance Theft Cover* This option can cover your contents and stock from theft, attempted theft or armed hold up. It is not uncommon for theft ...

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Employment Practices Liability

... covered & what’s not Things to consider Back to Business Insurance Employment Practices Liability Cover* Employment Practices Liability (EPL) Insurance is designed to help employers minimise the risk and potential ...

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Statutory Liability

... What’s covered & what’s not Things to consider Back to Business Insurance Statutory Liability* Statutory Liability insurance covers the company, senior management and employees for allegations of wrongful breaches ...

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Money

What’s covered & what’s not Things to consider Back to Business Insurance Money Cover* Money insurance protects your business money (which will include not only cash and cheques, but also items such as lottery ...

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Business Insurance the Smart Way

... compare and buy cover that suits all kinds of start-ups and small businesses - over 6,000 occupations. BizCover instantly provides multiple insurance quotes online and you can select and purchase the right cover, at the ...

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Goods in Transit

What’s covered & what’s not Things to consider Back to Business Insurance Goods in Transit* Goods in Transit covers (subject to a specified limit) loss or damage to goods owned by you which are damaged in ...

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Professional Attire Insurance

... hat better than a member of the Village People? There's now a revolutionary solution; Professional Attire Insurance, that covers you for any damage to your professional uniform, offering a rapid replacement service for ...

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Business Insurance Guide for the Self-Employed - Part 2

Navigating the world of business insurance can be confusing which is ... 've created a guide to business insurance for the self-employed that ... ins ... months and even years . This can tak e you away from your business and the potential to earn an income. Professional Indemnity insurance helps bear the on-going legal costs involved with the claim and ...

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Small Business Insurance Index

... strong price increases in the business insurance market, SMEs are continuing to ... in the cost of business insurance, the BizCover SME Insurance ... business insurance , the BizCover SME Insurance Price Index shows that overall pricing for SME insurance has ... year the increases were minimal. SME Professional Indemnity insurance prices have also remained flat over the ...

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Business Insurance Guide for the Self-Employed - Part 3

... print in the world of business insurance, it can feel like you ... , comprehensive guide on all things Business Insurance for the self-employed. In ... in legislation Losses beyond the indemnity period Voluntary closures Losses ... is enough to make you panic. Tax Audit Insurance covers a business for specified costs if the ATO selects it for ...

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Finding the Right Business Insurance Can Be Hard but BizCover Makes it Easy

... minutes. If you run a business, it is absolutely essential that ... yourself and your assets with business insurance. However, figuring out exactly ... types of cover include public liability, professional indemnity , cyber liability, business interruption and tax audit insurance . In many cases, businesses will need to mix and match different types ...

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Things you didn't know about small business insurance

Getting the insurance sorted for your small business can be pretty straightforward, jump ... quotes and buy the insurance that suits your business ... Indemnity cover. Make sure your policy stays relevant and on the move It's wise to review and update your coverage every year. No doubt your business is on the move and changing and so your insurance ...

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Small Business Insurance Index Q2: 5 point increase, largest in 10 quarters

The Quarterly BizCover Small Business Insurance Index has shown that Australian ... enjoyed the end of declining insurance premiums with an increase ... which saw premium rates increase 10%. Professional Indemnity have just normalised back to the average ... is a great time to be a buyer of insurance and if businesses are willing to obtain multiple quotes it is likely ...

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6 Areas You May Not Have Thought Business Insurance Covers

... 's vital to protect your business assets and revenue against potential ... risks that may impact your business, such as fire, storms, theft ... accidental ... a range of insurance solutions to protect your business. You can tailor a policy to suit your needs and include other essential covers such as Public Liability and Professional Indemnity insurance to ensure you ...

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Insurance for Psychologists

... criteria will apply.  Get a hassle-free quote for your business here. Insurance for Psychologists Professional Indemnity * Psychologists work hard to hone their professional expertise and to ...

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Insurance for Civil Engineers- what you need to know

... think about what kinds of business insurance coverage you may need to ... ... , which could have a devastating impact on your business. Professional Indemnity insurance Professional Indemnity insurance is a type of insurance coverage selected by professionals, including civil engineers ...

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7 Types of Insurance Your Small Business Should Consider

If you own a small business, there's no denying one ... assets is Small Business Insurance. But what kind of insurance do you actually ... it ... be addressed in a policy tailored specifically for your profession. Professional Indemnity Insurance explained. Business Insurance Business Insurance often comes as a package encompassing a range of different ...

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Understanding Insurance for Interior Designers

... is where having the right business insurance in place is vital. Let ... ins and outs of how business insurance can protect your interior design ... to make a claim . In scenarios like these, Professional Indemnity insurance can help protect your business. Professional Indemnity (PI) insurance is an important form of protection for interior designers to ...

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Understanding Insurance for Graphic Designers

... plan, that's when your business insurance comes into play. We've ... ... a claim. This is why Professional Indemnity insurance is an important coverage to consider. Professional Indemnity (PI) insurance is a form of protection for businesses that provide specialist services or ...

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5 Questions to ask yourself before buying Insurance for your Small Business

Know you need business insurance but aren't sure how ... up a new business or have been in business for a while ... and looking to buy insurance ... of injury or property damage to 3 rd parties due to your business activities Professional Indemnity insurance protects businesses that provide a professional service or give specialist advice against financial ...

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Professional Indemnity Insurance for Civil Engineers

... , considering Professional Indemnity insurance to protect* you and your business from [] ... ... with a claim can be crippling, and potentially enough to send you out of business. Below we'll explore Professional Indemnity insurance and how it can apply to your work as a Civil engineer. Civil Engineering ...

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Insurance for Architects

... cocktails on a tropical beach, you should consider run-off insurance which continues to provide important Professional Indemnity insurance for your business for any claims arising from work you do before finishing up ...

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Insurance for IT Professionals

... way to secure great insurance cover for your business. Did you know? The nature of work undertaken by some IT professionals means the difference between a public or professional indemnity claim can be difficult ...

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Insurance for Real Estate Agents

... Australia. You should consider those which apply to your business. Insurance for Real Estate Agents Professional Indemnity Insurance* Are the details accurate? Is the property valued correctly ...

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Insurance for Professionals

... services or advice.  Your Professional Indemnity insurance will meet the associated compensation ... sustains property damage as a result of your negligent business activities. When you meet with your clients, at your ...

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Insurance for Consultants

... business. In other words, there is a potential for you to have enormous liability exposure , which may affect your personal assets if things go wrong. Insurance for Consultants Professional Indemnity ...

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Keep calm and stretch on with Yoga Teacher insurance

... of arranging your yoga teacher insurance go. As a yogi or ... to protect your business. Let us centre your insurance chakra by exploring ... be held liable. So don't leave it up to chance and consider Professional Indemnity insurance to protect you and your business. What it typically covers? The financial consequences of negligent acts that you, or ...

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Insurance for Carpenters

... all things carpentry you may need to consider Professional Indemnity insurance* to protect your business if things don't go to plan. Professional Indemnity insurance protects you against losses claimed by a third party ...

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Insurance for Hair & Beauty Services

... claim against you could be very costly to your business, not to mention damage your reputation. Professional Indemnity insurance is designed to protect your business from losses claims made against you arising from ...

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Insurance for Pet Professionals

... in expensive legal fees, time away from your business and potential damage to your business' reputation. Professional Indemnity insurance* protects you against losses claimed by a third ...

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What are the Insurance Options for Land Surveyors?

... yourself and your company with insurance is a smart investment. Land ... ... has the legal support required to defend their rights, Professional Indemnity Insurance can be crucial. PI insurance is designed to respond to claims against your business for losses as a result of actual or alleged ...

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Insurance for Personal Trainers

... be thrown around, and claims are made, whether right or wrong. Professional Indemnity Insurance * is designed to have your back. It protects your business from losses incurred as a result of claims of actual or alleged ...

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Insurance for Plumber

... damage as a result of your negligent business activities. Professional Indemnity Professional Indemnity insurance* is an important form of protection for businesses that provide specialist services or professional ...

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Insurance for Land Surveyors

... Did you know? Be sure to consider Business Insurance to cover your expensive equipment when out in the field. Insurance for Land Surveyors Professional Indemnity* As a surveyor, you are recognised as ...

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Insurance for martial art teachers

... at risk. Even more reason to have appropriate insurance to protect you and your business! Insurance for martial arts teachers Professional Indemnity Insurance * However careful you may be there is ...

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A Guide to PI Insurance

... omissions insurance, PI or Professional Indemnity). What is Professional Indemnity Insurance? Professional Indemnity Insurance is .. ... (also known as errors and omissions insurance, PI or Professional Indemnity). What is Professional Indemnity Insurance? Professional Indemnity Insurance is a form of business insurance for professionals who are in ...

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Small Business Index July 2015

SMEs benefiting from declining insurance rates but is the tide ... capacity and competition in the insurance market over the last few ... down the price ... with capital chasing returns in insurance.” The Professional Indemnity rates reduced the most this ... than the base value only 3 years ago. Public Liability /Business Packs have not enjoyed as much of a drop in ...

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Insurance Premiums for Retailers Continue to Climb

... Climb The latest BizCover Small Business Insurance Price Index has been released ... showing an increase in small business insurance rates, with ... . Graph 1 – BizCover Insurance Price Index (Financial Year 2017 2nd Quarter) There was no change in the Professional Indemnity sector, but the index for Public Liability and Business Packs increased 4 points ...

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Insurance for Accountants

... these errors or omissions could result in financial losses for your clients . Professional Indemnity insurance will protect your business from losses arising out of acts, errors and omissions from a wide variety of ...

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Professional Indemnity Insurance for Consultants

... number of people that start businesses, in Australia have been experiencing ... a steady growth in business for the past few years ... idea of starting ... an example, at some point you may want to add business insurance or public liability insurance for your own protection. When you buy a Professional Indemnity insurance policy, it usually is a good idea to look around ...

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Insurance for Engineers

... collapsing to roads rupturing - the consequences (and costs) can be severe. Professional Indemnity insurance is designed to provide your business with a solid foundation when things don't go to plan. It protects ...

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Additional Cover for Professional Indemnity Insurance

... certificates of insurance - it's just part of the business. Hish ... Mines, a busy IT consulting business providing information management ... with the additional cover option of public liability. Hish says his clients expect his business to be covered by professional indemnity insurance to ensure there is cover in place in the case of any potential legal ...

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Insurance for Electrical Engineers

...  (and costs) can be severe. Professional Indemnity insurance  is designed to protect you against ... Think about insuring your business assets with insurance options including cover for ...

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Top 5 Reasons for Having Professional Indemnity and Public Liability Insurance

... worked hard to build your business, so it makes sense to ... hold and maintain Professional Indemnity and Public Liability insurance. #1 Protection ... worked hard to build your business, so it makes sense to protect it. Below are the top 5 reasons NHAA members should hold and maintain Professional Indemnity and Public Liability insurance . #1 Protection against ...

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How Does Professional Indemnity Insurance Benefit You?

... be referred to as professional indemnity insurance. Professionals are expected to possess ... ... clients. It is advisable that you have general business insurance in order to protect you from financial losses caused ... this, you should have professional indemnity insurance that provides coverage against lawsuits filed ...

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Insurance for Nurses

... For more information about your insurance requirements visit the Nursing and Midwifery Board of Australia website. Get the cover that’s right for your nursing business Professional Indemnity* The joy of ...

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Insurance for Registered Migration Agents

... of documentation and the list could go on. Professional Indemnity insurance is designed to protect you by responding to claims against you or your business for losses incurred as a result of actual or alleged ...

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Insurance for Civil Engineers

... services. This is where Professional Indemnity insurance becomes vital to you and your business. Professional Indemnity insurance is an important form of protection for businesses that provide specialist services or ...

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Insurance for Marketing Consultants

... and profits, but you should consider appropriate business insurance to protect you against potential pain-points. ... professional service or advice. Having Personal Indemnity insurance will let you breathe easy, assisting ...

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Insurance for Recruitment Consultants

... professional service or advice. Professional Indemnity Insurance will also assist with the legal ... sustains property damage as a result of your negligent business activities and brings a claim against you. Working ...

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Insurance for Project Managers

... you across the country, your Professional Indemnity insurance covers you anywhere in Australia.   Get the cover for  your business Professional Indemnity*  Your role as a project manager ...

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Dishing up the facts on food business insurance

... whether you have the right business insurance. When it comes to insuring ... your small food business, sometimes it can feel like ... ... theft. It can also provide cover against any financial loss resulting from an insured interruption to the business. Business Insurance offers a range of cover options to choose from, allowing you to tailor a policy to ...

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Home Based Business Insurance

... was compromised. The impact could be devastating to your business. Cyber liability insurance is a type of business insurance product, which protects your business against both the legal costs and expenses (including ...

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Business Insurance Guide for the Self-Employed - Part 4

... final piece of our Business Insurance for the self-employed ... Accident and Illness insurance and Cyber Liability insurance. We share .. ... Give us a call or jump online to discover a variety of business insurance options to help protect your business. At BizCover we're all about making insurance easy and hassle-free, providing multiple quotes from some of ...

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Business Insurance Guide for the Self-Employed - Part 1

... plans for success. Any solid business plan should have a focus ... strategies and protection for your business for the long haul. From ... , there ... incurred to defend the insured if the matter became litigated could exceed $25,000. If you need to sort out your business insurance or find out more, get in touch with the friendly BizCover team to experience ...

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iSelect partners with BizCover to launch business insurance comparison

... has expanded their general insurance offering to include business insurance, through a partnership ... BizCover, Australia's leading small business ... company was thrilled to be partnering with BizCover to assist it in focusing on the SME business market. “Business insurance, like many of iSelect's other verticals, is a very complicated but important product. We know ...

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5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically worry about covering ... most risks that a small business faces? Have ... to make themselves welcome. Glass cover is often an option that can be taken out as part of your Business Insurance policy. In some cases may even be a requirement by your landlord. It not only covers repair or ...

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Getting the Best Value on Your Business Insurance

The new year is now in full swing, and if you're like some of us in this office, you will probably have resolved to be a bit smarter with your money in 2016 and perhaps ... plan for you we can help you with tips on getting the best value on your business insurance . Cover yourself up! Check your insurance cover levels to see whether you have the right levels of cover. First let's ...

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Small Business Insurance Price Index Q3

Insurers hold on to SME Insurance Premium Price Increases! Despite a ... Quarterly BizCover Small Business Insurance Price Index has shown insurance ... holding on to pricing gains made last quarter. The latest Quarterly BizCover Small Business Insurance Price Index has shown insurance rates dropping back two points. Despite this drop, some insurers have managed ...

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5 Reasons To Review Your Business Insurance This Christmas

... stressful!) time for many small businesses. Come December the big Christmas ... ... or manufacturing, chances are at this time of year you are carrying increased stock levels. Do you have Business Insurance to cover your stock and contents from theft or damage? And if you do have you considered whether ...

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The Easter Bunny's Guide to Business Insurance

... denying that Easter is big business. In the Easter game, the ... ... 's factory broke down or the refrigerators that the eggs are stored in stop working? Within a Business Insurance pack the Easter Bunny would have cover for machinery breakdown and the deterioration of stock, covering ...

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5 Tips for an Insurance Health Check

If your insurance is due for renewal or ... a general review of your business, it's worth taking time ... your insurance to ensure that if the ... on track. Below are some common types of insurance available for small businesses and the risk areas that they cover. Professional Indemnity Protection against financial losses for any legal action taken ...

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Insurance for Car Wash and Auto Detailers

... damage as a result of your negligent business activities. Business Insurance* Business Insurance is a package designed to provide cover for your business contents, stock, tools and commercial premises when ...

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Insurance for Furniture Manufacturers

... When you run your own business, there is a lot ... wrong. This is where business insurance comes into play and should ... business' risk management ... things don't go to plan and for when you need it most. Some of the types of Business Insurance coverages available include: Contents and stock* - Cover for loss of or damage to items such as ...

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Understanding Insurance for Physiotherapists

Your clients rely on your expert advice and services as a physiotherapist. You help ease their aches and pains from minor sprains to long-term rehabilitation programs ... requirement for physiotherapists practi s ing within Australia. Professional Indemnity (PI) insurance is designed to respond to claims against your business for losses as a result of actual or alleged ...

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BizInsure Capitalizes on the Paradigm Shift in Commercial Insurance!

... -edge online insurance model that connects independent professionals and small businesses to ... critical Professional Liability (E&O) insurance ... (annual revenues under 2.5 million dollars) have not had many alternatives when it came to buying business insurance. BizInsure has entered this space to satisfy the needs of this important and growing market; small ...

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The business of Business Insurance*

Whether you have just served your first customer or you have been in your business for many years, you have put a lot of time and effort into building your business. Don’t risk wasting all this effort by not protecting your business assets from unexpected events. No matter how much you plan and prepare for things, sometimes there are circumstances that are out of your control – you need to ensure you have a plan to protect your business today to ensure you’ll be in business tomorrow.

Business Insurance can provide financial cover for your business, including the premises and contents, against loss, damage or theft as well as cover against any resulting financial loss from an insured interruption to the business. The type of cover and amount will depend on the nature of your business and what areas you think you are the riskiest for you. Pick and choose the cover options that suit you best. And you can include Public Liability Insurance to ensure you are not financially responsible for the costs of a legal claim should a third party get injured or suffer property damage whilst you are doing business.

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Independent feedback from our customers rated our service at excellent.

What is included?

A) Material damage loss for your physical assets

B) Financial loss due to Business Interruption

Choose cover options below!

What is typically NOT covered?

  • Negligence/breach of duty arising from an act, error or omission as a result of your professional services
  • Flood damage is generally excluded from standard policies
  • Known claims and circumstances

Download Business Insurance Fact Sheet

Link to Business Insurance Factsheet

Get the cover that is right for you

Your business may be considered ‘small’ but it’s big to you and big to us. That’s why we want to make sure you have the right protection. We offer various cover options to suit a variety of businesses.  Take a few minutes to consider some of the following risk areas and think about which ones impact you and how much cover your business would need should things not quite go to plan.

*As with any insurance, cover is subject to the terms, conditions and exclusions contained in your policy document.  The information contained on this webpage is general only and should not be relied upon as advice.